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anyone fancy a chat?
hi, does anyone fancy a chat? i'm a bit p****d off today, and could do with cheering up.
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Snowballing Help
Dear all as it stands on 10/04/07, I have managed to reduce my debt to £31k now. However I have just sold my car and I have £2000 spare, even though I m snowballing but I m not sure if thats working. As you can see I have loans & CC both. Credit cards give me a flexibility to pay as and when but they don't reduce the debt…
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Trying to sort my debts out
HSBC Loan: £6753.18, if settled April : £6029.22 7.9% ends 2010 Smile Loan: £2238.99, if settled April : £2093.19 4.5% ends 2008 So total debt: £8992.17 or if settled in April : £8122.41 so a saving of £869.76 I was looking at a new smile loan at 6.9% for £8100 and the total to repay back would be: 30 months paying an…
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Barclay's Career Development Loan
Hi All, I have a CDL with Barclays which is charging me around £200 interest per quarter and payments of £181. I also have An ISA with £4000 and another £2000 saved. These are savings for a deposit on a house. Given that the remains of my loan just about equal my savings would it be better to just pay off the loan and be…
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Am I Doing The Right Thing?
Hello everybody, I took my situation in hand today and just need to know I have done the right thing. In very short, I have credit card and loan debts and am struggling meeting the minimum payments. I phoned one lender who helped me make a long term arrangement over the phone. I phoned my other lender who wants me to put…
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Heellllppp!!!
Hi everyone, I am in a bit of a pickle and hope that someone won't mind giving me advice please? I have quite a lot of borrowing against my name, including just under £14,500 on a credit card with Smile. The card is due for renewal at the end of this month and I've had a letter from them (backdated to March 30!) saying…
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Advice needed
Hi Everyone, Looked around the site and found it very useful but I need some advice. To cut a long story short, my debts started getting out of control about 3 and a half years ago. I had always had debts such as credit cards and car loans but was never out of control of them, then I found myself pregnant, my then partner…
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Southwester Debt Free Diary
Decided to keep a track of my goings on LB Moment - 14-03-07 - Debt 27000 Due to a gambling addiction I put my family into debt and am now working my way out of it. Immediate aim to clear 2 of the debts, Flexi Loan with HSBC of £1996 plus Halifax of £2504.00. I have since taken a part time job and earning roughly £180 a…
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Why don't they answer me?
I have been trying for over a week now to get hold of Payplan to sought out swapping my DMP for an IVA. Everytime I try phoning I listen to music for 20 mins and then get cut off. I have also tried contacting my case officer by the message system on Justabank and still no reply. Does anyone else have problems contacting…
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Collecting debt on a graduate account that is still interest free!??
Hello Everyone! I was wondering if anyone had any information or advise on a matter which has just come up... I graduated from uni last July and ever since my student account with Abbey was transferred to a graduate account (interest free for 3 years, taking off 500GBP yearly. In September I moved to Canada to work here…
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Credit File Default
Hey I'm new to this site so I hope this is in the right place! I'm a student and have been turned down for an overdraft extension twice in the last two years. I decided to look at my credit file to see if I could work out why this was. I defaulted on a Vodafone contract in Dec 2004 through my own poor money management! I…
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Advice please
Ok I need advice because I am sick of paying £30 a month cause I keep going over my overdraft. Me and my partner have a £900 overdraft which currently we get up to or go over every month. We have regular monthly outgoings of approx £750 per month not including groceries and we have regular monthly income of £1300 Obviously…
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Advice needed regarding a possible lien on property
OK, I am not sure if this is in the right board on here, but here goes. To cut a very long story as short as possible, about 12 years ago, I purchased a timeshare in the US. Since then, absolutely no work has been done on the particular property I "own", and it is very shabby. Anyway, I have refused to pay my maintenance…
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Credit solutions
Hi there, Anybody had problems with the above named debt collection company. My husband has recently been contacted by them. They have been rude and argumentative with one person shouting down the telephone at him! I have looked at their Code of Conduct and Complaints procedure but when stated over the telephone that we…
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Chasing a debt but they don't know what for?
I had a letter the other day from a debt company chasing up a debt, I duly called them this morning when their offices were opened and was told that I had opened an account at Dixonx or Currys and had an outstanding amount of £1310. Now I am on a repayment plan with payplan so am not running from my debts but know nothing…
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A quick MSE question: final settlements
Hi everyone :wave: this is just a quick question and sorry if it's in the wrong place...... I am in the process of claiming back a lot of bank and credit card charges and was wondering....if I have a credit card/loan/storecard, could I call the company and ask for a full and final settlement figure? :confused: I know that…
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SOA - Please be Kind!
Hi All, Ok, well I am taking the plunge. Here is my SOA. What can I do? My Debts Ace £132.00 Argos £170.57 Amex £3,616.00 Cap One £1,861.50 Egg £3,178.00 Egg £8,081.76 Hsbc £1,810.11 HSBC £1,589.50 IF £1,813.58 Morgan Stanley £2,558.00 Next £151.00 Student Loan £10,468.19 Next £209.89 Nationwide £2,032.43 Total: £37,672.53…
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Debt problem Please Help
I wonder if anyone can give me some advice on debt management. I have around £13,000 of debt and am struggling to pay each month. I have been contacted by a debt management company and they say I could be debt free in 3 years if i pay £300 per month. This would affect my credit rating, but it is already battered and the…
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Only 20,000 big ones to go!
Only! :p :rotfl: :doh: So I'm into the teens now! Takes me back! ;) :rotfl: I know I've done well but I still haven't cleared 50% of my debt! Why oh bloody why did I get myself into this situation? :wall: Oh well we've had some laughs haven't we? :D I'm off to mentally undress women walking down the street! :beer:
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newbie
Hi all, I have over £70.000 worth of debt which has spiraled over 9 years, i went ti the CAB who were rubbish. I then went to the CCCS about 15 months ago which was recommended by one of the credit card companies !! they have been really good even when i have been crying my eyes out over the phone! Its really depressing…
